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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.
Question: If I choose a plan with an HSA will the amount I deposit into it drop my AGI and therefore drop my subsidized insurance premium in the exchange?
Answer: Yes. Since HSA contributions lower your adjusted gross income, your eligibility for tax credits will be increased and your net premium reduced. Keep in mind when selecting any bronze level plan that you may be giving up substantial cost sharing reductions that may be available to you at the silver level.
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